Insurance coverage for laser hair removal

HB 4781 requires most health insurance plans in West Virginia to cover medically necessary laser hair removal starting January 1, 2027. The bill applies to group and individual health insurance policies, as well as managed care plans, that are amended, issued, or renewed after that date. Coverage is mandated only for procedures deemed medically necessary and prescribed under generally accepted medical standards, not for cosmetic purposes. This policy change directly affects health insurers operating in West Virginia and their policyholders seeking covered medical treatments.